My Money Plan | A Practical Starting Point

1Your life stage

2What matters now

3Your situation

Step 1 of 3

Where are you now?

Choose the life stage closest to you. It does not have to describe every part of your situation.

Student yearsLearning, study, first accountsFirst jobSalary, savings, insurance, creditMarriage & homeTwo money systems, shared goalsYoung familyProtection, children, home, goalsPeak earningAssets, taxes, goals, retirementNearing retirementDe-risking, healthcare, readinessRetirementIncome, medical costs, succession

Step 3 of 3

Anything that should move up the list?

These are optional. Tick only what is relevant today. No amounts or account details are needed.

Income may change or feels uncertainFor example, job change, variable income or a possible career breakSomeone depends on my incomeA spouse, child, parent or another person relies on my earningsI already have EMIs or debtRegular repayments are part of the monthly household cash flowA large expense or goal is coming within 3 yearsA home, education, wedding or another major planned outflowHealth cover or medical costs are on my mindI want to understand financial protection around healthcareI am not clear where my money goes each monthMonthly essential and discretionary spending are not yet visible

Your Money Plan

Start with these five things.

This is a practical sequence based only on the choices you made above. It does not assess your full financial position and does not recommend securities, insurance products, loans or tax positions.

Life stage

What matters now

Optional situation flags

Why this order:

Planning guardrails used by MoneySastra: SEBI investor education says budgeting should prioritise basic needs, build an emergency fund for unexpected setbacks and set money aside for future goals. Its “Ponder Before Investing” guidance also highlights stable income for daily expenses, an emergency fund and insurance cover before investing. SEBI: Income & expenses ↗ · SEBI: Ponder before investing ↗

A practical starting point for your money.

Where are you now?

What is on your mind right now?

Anything that should move up the list?

Start with these five things.